Credit card processing in Kansas
Kansas rewrote its surcharge law effective January 1, 2025, and now allows a credit card surcharge only when the amount is clearly disclosed up front. Its economy runs from Wichita's aircraft plants to Johnson County suburbs and wheat country.
Kansas law (K.S.A. 16a-2-403, effective January 1, 2025) allows a credit card surcharge only if the amount is shown in a clear notice at the point of entry or sale before the transaction. Card network caps still apply.
From university-town restaurants to Wichita aviation suppliers: Kansas's business mix
Wichita is built around aviation manufacturing and its suppliers, which buy and sell with large business invoices. Overland Park, Olathe and the Kansas City suburbs have corporate offices, healthcare and busy suburban retail and restaurants.
Topeka carries state government, Manhattan and Lawrence have universities, and western Kansas runs on wheat, cattle and energy, with fuel stops and farm-supply stores serving long distances.
The legal side of card fees in Kansas
K.S.A. 16a-2-403, in the version effective January 1, 2025, allows a credit card surcharge only if you disclose the amount through a clear and conspicuous notice at the point of entry or the point of sale, before the transaction. Cash discounts are treated separately and permitted. Card network rules, including the 3% Visa cap and the debit ban, still apply.
| Status | Allowed with conditions |
|---|---|
| Key condition | A credit card surcharge is allowed only if you show the amount in a clear notice at the point of entry or the point of sale, before the sale. This version took effect January 1, 2025. |
| Source | K.S.A. 16a-2-403 |
Surcharge law roundup · general guidance only
Which pricing suits Wichita aviation suppliers?
Aviation suppliers and wholesalers usually save more with Level 2 and Level 3 data and ACH than by surcharging business customers. Suburban retailers can surcharge under the new notice rule, but should compare that with a straightforward cash discount. Rural fuel stops with thin margins care about per-transaction costs and fuel-specific programs.
POS for Johnson County retailers, rural fuel and convenience stops and more
- Wichita aviation suppliers
- Invoicing with commercial card data, purchase-order fields and ACH.
- Johnson County retailers
- POS with surcharge notice settings, loyalty and online inventory.
- Rural fuel and convenience stops
- Pay-at-pump integration, EMV at the pump and fleet card acceptance.
- University-town restaurants
- Tap-to-pay, tip adjustment and online ordering, set up around how university-town restaurants in Kansas sell.
Where the detail is local
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Across Kansas
Wichita · Overland Park · Kansas City · Olathe · Topeka · Lawrence · Shawnee · Manhattan · Lenexa · Salina · Hutchinson · Leavenworth · Leawood · Dodge City · Garden City · Junction City · Emporia · Derby · Prairie Village · Liberal · Hays · Pittsburg · Newton · Great Bend · McPherson
Commercial corridors
Wichita
Douglas Avenue · Rock Road · Kellogg Avenue · West Street · Hillside Street
Overland Park
Santa Fe Drive · Metcalf Avenue · College Boulevard · 135th Street
Lawrence
Massachusetts Street · Iowa Street · 23rd Street
Topeka
Kansas Avenue · Wanamaker Road · Gage Boulevard
Kansas: quick answers
K.S.A. 16a-2-403 requires a clear and conspicuous notice of the surcharge amount at the point of entry or point of sale before the transaction. For Wichita aviation suppliers: Card network rules also apply. For Wichita aviation suppliers: This is general information; check current rules.
Yes. The statute treats cash discounts separately. A discount must be real, not a fee added to card sales at the register.
Pass Level 2 and Level 3 data on business card payments and offer ACH for large invoices.
Yes. Analysis, setup and support are remote, with hardware shipped ready to use.